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Capital One Venture X Rewards Credit Card review
Earn more than $400 in value each year with Capital One’s first luxury travel card.
finder.com’s rating: 4.6 / 5.0
★★★★★
- Get this card if you’ve been waiting for a Capital One luxury travel option and travel often through Capital One’s travel portal.
- Pick something else if you like to push the limits of a luxury card’s perks.
- Apply with an excellent credit score of 740 or higher.
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75,000
Miles as welcome offer
Up to 10x
Miles
$395
Annual fee
18.49% - 25.49%
Purchase APR (variable)
Details
| Annual fee | $395 |
|---|---|
| Welcome offer | 75,000 miles after you spend $4,000 in your first 3 months of account opening |
| Rewards | 2x miles on every purchase, every day, 10x miles on hotels and rental cars booked through Capital One Travel, 10x miles when you book on Turo, the world’s largest car sharing marketplace, through May 16, 2023, 5x miles on flights booked through Capital One Travel |
| Purchase APR | 18.49% - 25.49% variable |
| Balance transfer APR | 18.49% - 25.49% variable |
| Minimum Credit Score | 740 |
| Issuer | Visa |
Review by
Steven Dashiell
steven.dashiell@finder.comSteven Dashiell is Senior Writer, Personal Finance at Finder specializing in all things credit cards. With more than 300 articles under his belt, he aims to help readers embrace credit cards and maximize their rewards. Steve is studying to become a Certified Educator in Personal Finance, and is a frequent face on Finder’s YouTube channel, offering the latest in credit card hacks and advice. His expertise has been featured on numerous outlets, including U.S. News & World Report, NASDAQ, Time, CBS, Fox Business, Lifehacker, Martha Stewart Living and more.
Expert review
The Venture X is a travel card from Capital One and the first luxury travel card offered by the provider. It earns 10x miles on hotel and rental car purchases booked through Capital One Travel, a flat 2x miles on all purchases and 5x miles on flights booked through Capital One Travel. Until May 16, 2023, the card also earns 10X miles when booking through the Turo app or on Turo.com. The card also comes with a 18.49% – 25.49% variable APR, a welcome offer of 75,000 bonus miles after you spend $4,000 on purchases within your first 3 months of account opening, and a bevy of travel perks to help offset the card’s $395 annual fee.
When you look at the Venture X against Capital One’s other travel card options, the Venture X stands in a league of its own. It earns comparable flat miles to the Venture Rewards, but offers additional earning categories as well as additional perks you won’t find on the Venture.
The card offers a $300 annual credit for bookings made on Capital One Travel for example and also offers a 10,000 mile bonus each account anniversary. The card also offers access to Capital One Lounges and Priority Pass membership as well as a $100 credit toward TSA PreCheck or Global Entry every four years.
As long as you’re traveling reliably and booking through Capital One, this card pays for itself each year with hardly any effort. The question then is how does the Venture X stand against the other luxury cards on the market? The Venture X seems to play it on the safe side: technically speaking, every luxury travel card on the market can pay for itself through perks, so it comes down to how easily you can pay off that annual fee and how much you enjoy those specific perks.
There’s no question that the Chase Sapphire Reserve® and The Platinum Card® from American Express both offer more perks than the Venture X, but the Venture X is much less expensive and much easier to pay off through light travel. Capital One also has its own collection of travel partners that you can transfer points to, though not all transfer partners allow a 1:1 ratio.
On the whole, the Venture X is a terrific and much-needed addition to the Capital One travel lineup, allowing it to compete on the luxury travel market while offering additional value to consumers.
How to apply for the Capital One Venture X Rewards Credit Card
Apply for the Venture X by doing the following.
- Select Apply now.
Capital One Venture X Rewards Credit Card benefits
- Earn miles. The Venture X earns 10x miles on hotel and rental car purchases booked through Capital One Travel, 5x miles on flights booked through Capital One Travel, and 2x miles on every other purchase. Until May 16, 2023, the card also earns 10x miles when booking through the Turo app or on Turo.com. These rates are in line with the points you can earn on travel with the Chase Sapphire Reserve and Amex Platinum Card, though those cards feature more earning categories overall.
- Welcome offer. Earn 75,000 miles after you spend $4,000 in your first 3 months of account opening. This is a sizable sum to spend, but it’s also a sizable welcome offer and easily worth at least $750 in value.
- Travel credit. You’ll receive up to $300 in travel credits on bookings made through Capital One Travel each year.
- Travel partners. Capital One has 16 travel partners to choose from, each allowing you to transfer your earned miles. Capital One has also recently teamed up with VirginRed.
- Anniversary miles. You’ll get 10,000 bonus miles every year starting on your first card anniversary.
- TSA PreCheck or Global Entry credit. You’ll receive a $100 credit toward your TSA PreCheck or Global Entry application fee every four years.
- Airport lounge access. You’ll receive access to Capital One Lounges with this card. You can also enroll in Priority Pass to receive a complimentary membership with access to thousands of lounges across the world.
Capital One Venture X Rewards Credit Card Drawbacks
- Not all points transfer at 1:1. While this isn’t a knock on the card itself, not all of Capital One’s travel partners allow mile transfers at a 1:1 ratio. Other providers like Chase allow 1:1 transfers on all of their travel partners.
Compare travel credit cards
If this card isn’t right for you, compare other travel cards on the market. Consider factors such as a card’s annual fee, APR and what travel benefits you’ll use most. Select up to four credit cards in the table, and click Compare to see their features side-by-side.
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Capital One Venture X Rewards Credit Card customer reviews and complaints
The Venture X is new to the market and it’ll take some time before customers get their hands on this piece of plastic and run it through its paces. Capital One is however listed on Better Business Bureau and Trustpilot, both of which rate an organization based on customer experience and reviews.
| PROVIDER | BETTER BUSINESS BUREAU | TRUSTPILOT |
|---|---|---|
| Capital One | A | 1.3 |
Bottom line
Capital One’s Venture X is an excellent addition to Capital One’s travel lineup and in combination with changes to the provider’s travel partner transfer ratios seems to point toward a greater focus on travel benefits for its customers.
It offers the level of value you’d expect from a luxury travel card offering while maintaining a lower annual fee than its competitors. That makes this a great card for those who travel often but don’t necessarily feel compelled to push the limits of a card’s perks. But if this card doesn’t quite hit the mark for your needs, compare your travel card options to find one that best fits.
What’s changed with the Venture X
| 05/17/2022 | Change: Earn | Added: Through May 16, 2023, earn 10x points when you book cars on Turo. |
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